Niche Loan Products

Traditional mortgage programs suited for a wide range of borrowers. Conventional loans offer flexibility, Jumbo loans are for high-value properties, VA loans benefit veterans, FHA loans support low to moderate-income buyers, and USDA loans cater to rural property purchases.

For clients who are struggling to get their offers accepted, having to compete with multiple offers. With only 5% down, they can pay cash for a home and close in as little as two weeks, and then we fund the loan after closing with a refinance.

Enable clients to tap the equity of their current home for purchasing a new one. These programs allow selling the existing home during or after the new purchase, offering financial flexibility when transitioning between properties.

Temporary interest rate reductions give borrowers significant payment relief upfront. This strategy helps them manage cash flow while waiting for potential rate drops to refinance. Ideal for homebuyers seeking lower initial payments.

Tailored for real estate investors, these loans support property flipping, renovations, and purchases of non-traditional properties. DSCR loans eliminate the need for income documentation, and condotel/non-warrantable condo loans cater to properties outside conventional lending guidelines.

Provides support for clients who do not have the standard 3% down payment. Ideal for first-time homebuyers and those needing financial assistance to cover down payment and closing costs.

Programs that consider alternative credit or tradelines, helping clients without a conventional credit history secure mortgage approval.

Access to multiple lender outlets specializing in mortgages for DACA recipients, ITIN holders, and foreign nationals, helping them secure home financing despite unique challenges.

Helps clients aged 62+ convert home equity into cash, allowing them to maintain their living standards and cover essential expenses. A valuable financial tool for retirees.

These loans provide funding to upgrade or renovate existing properties. Suitable for homeowners looking to increase property value or improve living conditions.

Enables borrowers to use asset value as income for qualification. Also accommodates clients whose income comes from the cannabis industry, including business owners.

Combines home financing & personal banking into one fluid offset account. Applies payments to loan principal first, reducing the loan balance faster & allows them to save thousands of dollars in interest. Includes ATM & VISA cards and checks. Interest computed daily after deposits & withdrawals to achieve the lowest payment.

The All In One construction loan covers land acquisition, home building, and conversion to permanent financing. Additional programs include land loans, loans for manufactured homes, rural property financing, and commercial loans for 4+ unit properties. Also features a Lock and Shop program to secure interest rates before purchasing.